Investigation of Factors for Policyholder's Insured Amount

[[abstract]]多數人都認為生命是無價的，也無法用金錢來衡量，但人壽保險卻是以人身做為價值的計算。所以人壽保險對生命來說是有價的，但價值多少?在人生每個不同階段及每個人的價值觀與財務目標都不相同，而有所差異。 從投保率、平均保額的數據分析，都說明了國人保障偏低，本論文主要藉由收入、扶養人數、性別、教育程度、年齡、婚姻狀況等變數進行探討，透過統計分析資料，將分析結果及理財規劃步驟的理論方法做探討，以提供消費者在規劃人壽保險時的參考。 由分析結果發現，要保人購買人壽保險與收入、扶養人數及年齡有顯著相關，但平均保額並不高。因此建議先計算出需要規劃多少保險金額，再檢視目前已規劃多少的保險金額，兩者相減即是不足額應再規劃的保險金額。[[abstract]]Most people believe that life is invaluable and no amount of money can measure life However life insurance amount is calculated based on how much money a person is worth Therefore Life insurance is valuable but for how much？ In different life stages the viewpoints and financial goals are different and the worth is different Examing the insured rates and the average coverage it is clear that Taiwanese are not adequately protected by insurance This research discusses the socioeconomic variables such as net income number of dependents in a household sex education level age and marital status and through statistical analysis discuss the reasons and methods of personal finance management as a reference for consumers while buying life insurance By the results of the analysis found that policyholder buy life insurance and income the number of dependents and age were significantly related to the average sum insured is not high Therefore suggested a need to plan to calculate how much insurance amount and then view how much the current amount of insurance has been planned the two-phase reduction that is a qualified plan should be re-insurance amoun